Card Security | Protect yourself from fraud | The Mutual Bank

What are you looking for?

Everyday Banking
- Transaction Accounts
  
  Everyday Account
  
  Retirement
  Flexible at call account with a competitive interest rate.
  
  Mighty Mutual
  An at call youth savings account.
  
  100% Loan Offset
  A transaction account available with eligible variable rate home loans.
  
  Loan Saver
  A transaction account available with eligible fixed rate home loans.
- Savings & Investment Accounts
  
  Bonus Saver
  A savings account with bonus interest.
  
  Internet Saver
  Earn interest on your savings.
  
  Christmas Club
  A savings account with access limited to November, December and January.
  
  Cash Management
  Manage your cash and achieve your savings goal.
  
  Term Deposits
  Grow your wealth with a higher rate of interest.
- Payment Options
  
  Visa Debit Card
  Made of plants, not plastic, with features that are sustainable, accessible and inclusive.
  
  Apple Pay
  Welcome to easy, fast and secure payments with Apple Pay.
  
  Google Pay
  Easily add your Mutual Visa Card to Google Pay™.
  
  PayID
  Transferring money made simple, fast and secure
  
  PayTo
  
  Cheques
- Other Services
  
  International Services
  Send or receive funds from overseas with The Mutual Bank’s international banking services.
  
  Travel Options
  Convenient access to your money while you travel.
  
  Bank@Post
  Do your day to day banking on your Everyday Account Australia wide with Bank@Post.
  
  Financial Planning
  Improve your lifestyle with The Mutual Bank’s financial planning services.
- Personal Finance
  
  Personal Loans
  Secured and Unsecured Personal Loans for all kinds of purposes.
  
  Mutual Visa Credit Card
  A convenient credit card to manage your personal cashflow.
Our Retirement account is the smart option

Up to 3.50% p.a.

For the portion of balances between $25,000 and $50,000.
Home Loans
- Home Loans
  
  Budget Home Loan
  
  Package Home Loan
  A flexible home loan with a competitive interest rate and best value inclusions.
  
  Standard Home Loan
  A flexible home loan with a competitive interest rate.
  
  Express Credit Facility
  Maximum flexibility for your home loan.
- Government Guarantees
  
  First Home Guarantee
  
  Family Home Guarantee
  Purchase a family home with a deposit as little as 2% with no Lenders Mortgage Insurance.
  
  Regional First Home Buyer Guarantee
Take control of your future

Special Variable Rate 5.74 % p.a. Interest rate 5.74 % p.a. Comparison rate

Rate for new, owner-occupied, ≤80% LVR and P&I repayment loans only
Business Banking
- Transaction Accounts
  
  Business Maximiser
  Earn interest with flexible and convenient access to funds.
  
  Business Cheque Account
  Best value business transaction account with no annual fee.
  
  Trust Accounts
  Manage the assets in your Real Estate or Solicitors Trust Account.
- Savings & Investment Accounts
  
  Internet Saver Business
  Earn interest on your business savings so your money continues to grow.
  
  Cash Management
  
  Farm Management Deposit
  An investment account that helps primary producers deal more effectively with uneven income flows.
- Business Loans
- Business Banking Solutions
Your partner in business

Local Business Bankers are here to help you achieve your goals
Insurance
Insurance

Help protect yourself against the unexpected by choosing from a range of insurance products.
Help & Support
- Here to help
  
  Accessibility and Communication Services
  The Mutual Bank is committed to making it easy for members to access our information, products, and services
  
  Compliments and Complaints
  We are committed to the highest standards of service to our members.
  
  Deceased Estates
  Here when you need it most
  
  Financial Hardship
  We are here to help our members experiencing financial stress and hardship.
  
  Open Banking and Consumer Data Right
  What is it? And what does it mean for you?
  
  Products no longer for sale
  
  Visa Dispute
  Steps to resolve a Visa Dispute.
- Security and Fraud
  
  Lost or stolen cards
  If you’ve lost your card or it was stolen, you can immediately block it and request a replacement.
  
  Scams and Fraud
  Stay alert to scams and fraud.
  
  Online banking security
  Protect your personal and account information from fraud.
  
  Identity security
  How to protect yourself from identity theft.
  
  Card security
  Tips to protect yourself from card fraud.
  
  Anti-Money Laundering
  Financial Institutions in Australia are governed by the Anti-Money Laundering and Counter-Terrorism Financing Act which came into force in 2006.
  
  Financial Claims Scheme
  The Financial Claims Scheme provides protection and quick access to deposits protected under the scheme.
  
  VISA Secure
  Verified by Visa is a free service that protects you when you use your Mutual Visa Card to purchase online from participating stores
- Tools & Services
  
  Interest Rates
  
  Lending Fees and Charges
  
  Calculators
  The Mutual Bank offers a range of handy calculators for you to better manage your finances.
  
  Accessing Your Money
  Discover all the ways you can access your money.
  
  Mutual App
  Keep track of your finances with easy access for your banking needs.
  
  Mobile Payments
  Mobile payments are now available at The Mutual Bank.
  
  Mutual Alerts
  
  Enquiry Forms
  
  Lending Forms
  View The Mutual Bank's Lending Forms.
- Important Documents
  
  Target Market Determinations
  Written TMD documents for financial products
  
  Complaints Policy
  
  Privacy Policy
  View our Privacy Policy here.
  
  Whistleblower Policy
  
  Credit Card Key Fact Sheet
  
  Home Loan Key Facts Sheet
  
  Privacy Notice
The Mutual App

Keep track of your finances on your iOS or Android device.
About Us
- Our Story
  
  Our Values
  Our values of Integrity, Respect, and Care drive all that we do.
  
  Latest News
  Keep up-to-date with the latest information from The Mutual Bank.
  
  Community Support
  We are proud to partner with the community we serve.
  
  Sponsorship
  We provide support for a range of organisations that benefit our local community.
- Governance
  
  Code of Practice
  Our longstanding commitment to serving the interests of our members and local community.
  
  Board of Directors
  The Mutual Bank's Board is elected by, accountable to, and proudly represents our members.
  
  Annual Report
  View the highlights of The Mutual Bank's most recent annual report.
  
  Corporate Social Responsibility
  We have an obligation to our members and the wider community to operate in a socially responsible manner.
  
  APS330 Prudential Disclosures
  View The Mutual Bank's Prudential Disclosures.
  
  Executive Leadership Team
  Meet The Mutual Bank's Executive Leadership Team
  
  Workplace Gender Equality Report
- Careers
  
  What we offer you
  Our people are the reason for The Mutual Banks growth and success.
  
  Health & wellbeing
  The Mutual Bank promotes workplace safety and personal wellbeing.
  
  Growth & learning
  The Mutual Bank is committed to training and development, to deliver best-practice service to our members.
  
  Positions vacant
  If your values align with The Mutual Bank and you would like to apply for a position we would like to hear from you.
Our history

Founded in 1888 by a group of passionate Maitland locals, The Mutual Bank was established with the mission to ensure that financial investment stayed within the local area.

There are many different forms of card fraud. You should treat your cards as if they were cash and remember they are the keys to your account.

Here are some tips to follow to help keep your banking with us safe and secure.

Tips to protect yourself from card fraud

When you first receive your new card, sign it immediately.
If the card is a replacement, cut up your old card.
Safeguard your card and PIN at all times, and never carry your card and PIN together.
Always cover your PIN when using ATM and Eftpos machines.
If you believe an ATM has been tampered with, do not use it.
Ensure that the ATM transaction has been completed before walking away.
Advise The Mutual Bank of up-to-date phone numbers, including home, mobile and work. This will aid in staff being able to contact you when verifying transactions on your account.
Be aware of anyone acting suspiciously near an ATM.
Be alert for anyone trying to observe you entering your PIN.
Always keep your card in sight during a transaction.
When shopping online, only deal with reputable companies, and check for the padlock symbol and https:// address
If you are going overseas, advise The Mutual Bank staff prior to leaving so that we can monitor any overseas transactions.
If your card is lost or stolen, call us on 1300 688 825, or lock your card via The Mutual App.
Choose a PIN that is easy to remember, but hard to guess don't use obvious combinations such as your birthday or your name.
Do not share your PIN with anyone else including family and friends.
Remember to take your receipt with you as a transaction record.

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Any advice or information on this site does not take into account your personal objectives, financial situation, or needs and you should consider whether it is appropriate for you. Please review our Product Disclosure Statement, Target Market Determinations, Terms and Conditions, Financial Services Guide, and Credit Guide before deciding to acquire a product.

Eligibility and lending criteria, conditions, fees, and charges apply to all loans. Interest rates, fees, and charges may change without notice. Information is current as at date of appearance and is subject to change. We use reasonable efforts to provide accurate and up to date information. However, mistakes may still occur from time to time and we cannot guarantee that this website is free from any errors, inaccuracies or omissions. Maitland Mutual Limited trading as The Mutual Bank ABN 94 087 651 983 AFSL/Australian credit licence 238139.

The Mutual Bank acknowledges the Traditional Custodians of Country across Australia and recognises their continuing connection to lands, waters and communities. We pay our respects to Aboriginal and Torres Strait Islander cultures and to Elders past and present.